HomeKentuckyClark CountyWinchester
Winchester, Kentucky: commercial real estate data.
Winchester is a Census city of 19,213 people across 9.23 square miles of land, in Clark County. Median household income is $54,378, 60.5 percent of occupied homes are owned, and the SBA record carries 23 7(a) approvals to borrowers here worth $9.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Winchester
What Winchester is
- Census place typecity
- Land area9.23 sq mi
- Water area0.1 sq mi
- Population per square mile of land2,082
- County holding the largest share of its areaClark County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winchester
How many people live in Winchester
- Population19,213
- Median age40.1
- Population under 183,943
- Share under 1820.5 percent
- Population 65 and over3,498
- Share 65 and over18.2 percent
- Households8,551
- Family households4,789
- Share of households that are families56.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winchester
Income and work in Winchester
- Median household income$54,378
- Per capita income$32,859
- Civilian labor force9,204
- Employed8,872
- Unemployed332 plus or minus 144
- Unemployment rate3.6 percent plus or minus 1.6
- Adults 25 and over13,662
- Adults 25 and over with a high school diploma or higher88.7 percent
- Adults 25 and over with a bachelor degree or higher22.4 percent
- Adults 25 and over with a graduate degree8.1 percent plus or minus 1.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winchester
Housing in Winchester
- Housing units9,538
- Occupied units8,551
- Vacant units987 plus or minus 256
- Vacancy rate10.3 percent plus or minus 2.7
- Owner occupied5,171
- Renter occupied3,380
- Ownership rate60.5 percent
- Median owner-occupied home value$188,300
- Median gross rent, monthly$916
- Annual rent as a share of median income20.2 percent
- Single family units6,986
- Share single family73.2 percent
- Units in buildings of two or more2,380
- Share in buildings of two or more25.0 percent
- Mobile homes172 plus or minus 124
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winchester
How Winchester gets to work
- Workers 16 and over who commute7,517
- Commuting under 15 minutes3,129
- Share commuting under 15 minutes41.6 percent
- Commuting 30 minutes or more2,762
- Share commuting 30 minutes or more36.7 percent
- Drove alone74.6 percent
- Carpooled9.5 percent plus or minus 2.4
- Public transport0.1 percent plus or minus 0.2
- Walked0.7 percent plus or minus 0.7
- Worked from home13.5 percent plus or minus 3.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winchester
SBA loans in Winchester (7(a))
- Approvals23
- Gross approval$9,782,900
- Average approval$425,343
- Median approval$150,000
- Ninetieth percentile approval$1,150,000
- Largest approval$1,895,000
- Jobs supported185
- Jobs per approval8.0
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more13.0 percent
- Share to franchises8.7 percent
- Distinct lenders12
- Distinct industries by NAICS16
Counted by borrower city: approvals to borrowers whose address is in Winchester, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Winchester
SBA loans in Winchester (504)
- Approvals4
- Gross approval$2,249,000
- Average approval$562,250
- Median approval$304,000
- Largest approval$1,423,000
- Jobs supported22
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Winchester, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Winchester
Flood risk in Winchester
- NFIP communityCity of Winchester
- NFIP community number210056
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/28/25
The City of Winchester participates in the National Flood Insurance Program as community 210056 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Clark County, not Winchester
Clark County context, not Winchester figures
- Establishments in Clark County784
- Covered employment, Clark County13,594
- Average annual pay, Clark County$55,905
- Housing units permitted, Clark County160
Every figure in this section is published for Clark County as a whole and is not a measurement of Winchester.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Winchester questions, answered from the record.
How many people live in Winchester, Kentucky?
19,213, in 8,551 households. Winchester city covers 9.23 square miles of land, which is 2,082 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Winchester in?
Clark County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Winchester?
$54,378. The median owner-occupied home is valued at $188,300. Median gross rent is $916 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Winchester businesses?
23 7(a) approvals totaling $9.8 m since FY2020, across 12 lenders, median approval $150,000, plus 4 504 approvals worth $2.2 m since FY2010. These count approvals to borrowers whose address is in Winchester, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Winchester borrowers get paid back?
No rate is published for Winchester. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Winchester in the National Flood Insurance Program?
Yes. Winchester appears in the FEMA Community Status Book as Winchester, city of, community 210056, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Winchester figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Clark County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Winchester.
Is zoning published for Winchester?
No. Nothing on this page presents parcel level zoning.